My wife and I are self-made millionaires, having grown our net worth from humble beginnings to nearly $7 million in 2020. The purpose of this book is to empower and enrich ordinary people, stop popular myths and conventional "wisdom" from robbing people millions of dollars, and show novel and simple "Money Tree" methods for ordinary people to achieve financial freedom. This book is for high school and college students, young professionals, renters, homeowners, middle-aged employees and managers, real estate investors, mutual fund investors, 401k investors, IRA and Roth IRA investors, and retirees. This book focuses on lucrative, innovative, think-outside-of-the-box strategies to make millions that are executable and reproducible by ordinary people. I am sad to see financial myths and harmful conventional "wisdom" killing the financial freedom of ordinary people. For high school and college students selecting a career, they often hear this advice: "Pursue your passion." This book presents a unique and lucrative "Combination Is Creation" approach that enables you to: (1) earn millions more than you otherwise would in your career, (2) pursue your passion, and (3) make a greater contribution to the society. In addition, people believe: "I'm young. If I delay investing by a few years, what's the big deal?" Well, as shown in Chapter 3, such a delay can cost you $4 million. Furthermore, this conventional wisdom is popular: "Prepay your mortgage and pay it off early. It saves you interest money." As shown in Chapter 7, this can cost an ordinary person $6 million. This book demonstrates the intelligent use of loans to maintain leverage and plant money trees. As shown in Chapter 7, the money-tree methods can produce $6 million to $80 million for an ordinary family. Moreover, this conventional wisdom is also popular: "Live a debt-free life! Debt-free is the new rich!" Actually, this can cost millions of dollars and destroy opportunities for people. The harmful conventional wisdom and myths burn millions of dollars into ashes for numerous people. This book shows the intelligent use of good debt to grow millions for you. Here is another myth: "Mutual funds are all similar. Just pick a few to put your money in." As shown in Chapter 15, this can cost an ordinary person $3.8 million over a working career. This book provides simple money-tree methods that can help the ordinary employee accumulate $4.5 million, in an example in Chapter 15. Here is another myth: "A 1% fee charged by mutual funds is not a big deal." Using average mutual funds with average fees can make you lose $3.49 million in profits, as illustrated in Chapter 16. Chapter 17 shows a money-tree method to spend less time and make millions more, with a Money-Tree Motto: "Less Work, More Wealth (LWMW)." People believe: "Ordinary people cannot beat the gurus." Chapter 18 lays out an easy money-tree method for the ordinary person to far outperform the professionals and achieve financial freedom. Chapter 19 shows a simple money-tree method to grow your wealth by at least anther 10x after age 50. Chapter 20 demonstrates an innovative and think-outside-of-the-box method to grow much more money in retirement, passively while you enjoy your retirement, than working hard at a job. Finally, Chapters 21 and 22 focus on the inner emotional strength for the investor to develop "The Eagle's Two Wings: Courage and Caution," as well as the unique money-tree way of "No Pain, Much Gain." This book debunks popular myths and harmful conventional wisdom. The money-tree methods are unorthodox, anti-conventional-wisdom, lucrative, executable, and simple. By thinking independently and outside of the box, you will be rewarded with millions of dollars to provide yourself and your loved ones with financial freedom. This book shows how to grow money trees so that your money will grow day and night, year after year. You will be making money while vacationing in Europe, on a cruise ship, and in your sleep.